Articles by author
Secured vs unsecured personal lending by fintechs
In this In Practice article the authors consider the difficulties of secured personal lending by fintechs and how the application of technology can mitigate risk without requiring security.
31 MAY 2024Security over e-money and deposits with deposit aggregators: a new approach is required
Over the last decade, fintechs (including EMIs (see definition in the key points above)) have transformed the payments landscape and have driven and facilitated the rapid shift by individuals and businesses away from cash to e-money. This article sets out the practical and legal considerations under English law when taking security over e-money and deposits with Deposit Aggregators (see definition in the key points).
1 NOV 2022Embedded finance and chargebacks: consumer duty and proposition structuring
As embedded finance and payment models continue to develop, I consider: (i) how merchants and their payment solution partners balance offering customers the optimum checkout experience with providing appropriate consumer protections; and (ii) what these models mean for liability arrangements between merchants and fintechs.
1 MAR 2024
